A: "Private Medical Insurance in the UK is primarily used to treat non-urgent acute medical conditions. The policy has a range of benefits that details what members can claim for. The main benefits for members are: Quick access to healthcare Hotel style accommodation to aid recovery Greater control of when and where treatment is received."

Q: WHAT IS INCLUDED IN BUSINESS PRIVATE MEDICAL COVER?

A: "Private Medical Insurance will generally provide cover for non-urgent acute medical conditions. The aim of Private Health Insurance is to quickly identify the condition and treat it as soon as possible to return the member back to the state of health they enjoyed prior to the onset of the symptoms of the condition. Private Medical Insurance will allow the member to avoid any NHS waiting lists and also support the member’s recovery by providing access to private hotel style accommodation, making the experience as comfortable as possible for the member seeking treatment."

Q: WHAT BUSINESS PRIVATE MEDICAL INSURANCE SCHEMES ARE AVAILABLE?

A: There are many different policies available. Most schemes have a core level of benefits and then allow for a selection of options that can tailor the plan to meet most requirements. Elect can help in the design of your scheme and work through what plan design could most benefit your business.

Q: WHAT IS REQUIRED FOR A BUSINESS PRIVATE MEDICAL INSURANCE QUOTE?

A: "In order to provide an accurate quotation you will be required to provide a certain level of information. A list of proposed members along with their date of birth is a minimum level of detail needed. There are many options as to what benefits can be selected. It would often be most effective to have a discussion with one of the Elect Team in order understand the type of cover you are looking to provide. "

Q: WHAT IS THE BEST PRIVATE MEDICAL INSURANCE COVER FOR BUSINESSES?

A: The best policy will vary depending on individual business need. The Elect team can help you work through the various schemes that are available and by using our services, you will be able to access exclusive market leading propositions.

Q:WHY CHOOSE ELECT?

A: Elect simplifies the process of selecting your Private Healthcare for your business. We have done a lot of the hard work for you by approaching the market and conducting a robust tender exercise. Through this process we have selected policies that are secure, competitively priced, from a financially stable provider and offer built in additional benefits at no extra cost to you. You will also have the support of the Elect team from inception to ongoing account management. We will assist you in delivering these benefits effectively and have the expertise to ensure you fully understand how these policies work.

Q: WHAT IS A CASH PLAN?

A: A Health Cash Plan is not an Insurance Policy. It will reimburse members up to a fixed cash limit and pay members back directly after they have claimed. It usually provides cover across medical, dental, optical and can often include an Employee Assistance Program (EAP) that provides counselling services. A Cash Plan is not as comprehensive as a Private Medical plan but can be a cost effective alternative.

Q: HOW CAN PRIVATE MEDICAL INSURANCE BENEFIT MY BUSINESS?

A: "Private Medical Insurance can benefit businesses in many ways. The key benefits are: Ensuring your employees have speedy access to treatment, getting them back into the workplace and reducing the impact on productivity. Reducing the impact of absenteeism if there are long delays on the NHS Having a Private Healthcare plan demonstrates to employees that their health and wellbeing is important and can attract and retain employees to your business."

Q: WHAT IS THE COST OF A PRIVATE MEDICAL INSURANCE FOR A COMPANY?

A: "There are many factors that can drive the cost of Private Medical Insurance, such as: The level of cover you select Age of the members Number of members you wish to cover Network of medical providers. In order to understand what the cost may be we would recommend that you contact us to discuss your requirements and we can help you find the right balance between the level of cover and the cost to your business."

Q: WHAT IS THE DIFFERENCE BETWEEN CRITICAL ILLNESS COVER AND PRIVATE MEDICAL INSURANCE?

A: "Critical Illness is a policy that is designed to pay a cash lump sum on diagnoses of a condition from a predetermined list of illnesses. The aim is to support the member with the condition to help cover the cost and impact this condition may have on their life. Private Medical Insurance covers the cost of eligible treatment of acute medical conditions, with an aim to return the member to the state of health they were before onset of the condition."

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